Fixed deposits (FDs) remain one of the most reliable and secure investment options in Nepal. With guaranteed returns and low risk, they are highly preferred by both individuals and institutions. Banks and financial institutions revise FD rates regularly, depending on market conditions and Nepal Rastra Bank (NRB) guidelines.
Here, you can explore the updated fixed deposit interest rate in Nepal for 2025, with comparisons across commercial banks, development banks, and finance companies.
For the exact Interesect you can check on the following links:
Fixed Deposit
Sindhu Bikash Bank Limited
Bankrate Nepal Review
1.5
Interest Rate(P.A)As of October 27
6.61%5.71%4.75%
Minimum Balance
Rs. 0Rs. 0Rs. 0
Tenure
1 year6 months3 months
About Sindhu Bikash Bank
SINDHU BIKASH BANK is the first development bank, opened in Sindhupalchok district of Nepal and started operation on Bhadra 24, 2067 i.e. September 9, 2010. This bank is licensed by Nepal Rastra Bank (Central Bank of Nepal) & running under the Company Act & Bank & Financial Institution Act of Nepal. Sindhupalchok Chamber of Commerce & Industry of Nepal has taken the initiative to open the bank.
The bank was established with 184 nos. of valued promoter shareholders and the members of promoter shareholders increased after the trading of Shares. The objective of the founder was essential to promote banking habits & entrepreneurship among the community of Sindhupalchok, Kavrepalanchok, Dolakha, Makwanpur and Chitwan districts of Nepal. The bank has created a solid customer base in this short period.
This bank has built a network of 26 branches & 1 limited banking outlet till April 2024 providing services to 140345 customers (Approx). Each branch provides effective & efficient services and significantly contributes to the growth of individuals & the nation. The bank offers major services in various segments of accounts and deposits, loans, money transfers & other value-added services. Our mission is to be a leading client-focused, innovative & low-cost provider of financial services through the distribution channels of the clients’ preference in the market where we can create value.
At Sindhu Bikash Bank, what motivates us is the passion to excel in banking by maintaining the highest standards of services to our customers backed by innovative products & services which will make us one of the most successful public sector development banks in the country provides services to wide range of customers from individual to corporate clients. Read More
Fixed Deposit
Standard Chartered Bank Nepal Limited
Bankrate Nepal Review
4
Interest Rate(P.A)As of October 27
5.18%4.00%3.50%3.00%
Minimum Balance
Rs. 0Rs. 0Rs. 0Rs. 0
Tenure
5.08 years3 years1 year3 months
About Standard Chartered Bank
Standard Chartered Bank Nepal Limited has been in operation in Nepal since 1987 when it was initially registered as a joint-venture operation. Today, the Bank is an integral part of Standard Chartered Group having an ownership of 70.21% in the company with 29.79% shares owned by the Nepalese public. The Bank enjoys the status of the only international bank currently operating in Nepal. It is also the only Bank in Nepal accredited with ICRANP-IR AAA rating by ICRA Nepal as the safest bank regarding timely servicing of financial obligations.
Globally, we are a leading international banking group with a 160-year history in some of the world’s most dynamic markets. Our heritage and values are expressed in our brand promise, Here for good. Our operations reflect our Purpose, which is to drive commerce and prosperity through our unique diversity. With 85,000 employees, we are present in 59 markets and are listed on the London and Hong Kong Stock Exchanges. There are 124 nationalities, and 100 ethnicities present in our workforce and 174 languages / dialects spoken by our colleagues across the Bank.Read More
Fixed Deposit
Benefits
fixed deposit auto renewed and/ or uplifted
access to your account through Online Banking and SC Mobile App
and guaranteed interest on your savings
Features
Do all your banking transactions online form home, office, or on the move. Simply log in!.
Fixed deposit schemes in Nepal usually range from 7% to 10% annually, depending on the tenure and the financial institution. Some banks also provide higher FD interest rates for remittance accounts and senior citizens.
Fixed Returns: FD returns are guaranteed and there would be predictable growth.
Regulated and safe -All the financial institutions operate under the watchful eye of Nepal Rastra Bank
Flexible Tenures – Range of between3 months to several years.
Extra Rates Special schemes There are special schemes which the senior citizens and remittance accounts receive extra interest.
FAQ’s
The average FD return in Nepal is around 6.2%–6.5% per annum. Rates vary depending on the type of institution, deposit duration, and whether the account is for NRN (Non-Resident Nepalis) or remittance-based deposits.
Finance companies and development banks usually provide the highest FD rates in Nepal, sometimes reaching 8%–8.5%. Commercial banks, while safer, generally offer slightly lower rates between 3%–5.5%.
Most banks and finance companies offer FDs starting from 3 months, with options extending up to 5+ years. Longer tenures generally provide higher interest rates.
Yes. Many banks and development banks in Nepal provide higher FD interest rates for remittance-based accounts (NRN or funds sent from abroad). These rates can be 1% higher than normal FDs.
Yes, you can, but premature withdrawals usually result in reduced interest rates or penalties. It’s recommended to align your FD tenure with your savings goals to avoid loss of interest.
Yes. Some banks and financial institutions in Nepal offer senior citizen FD rates that are slightly higher than regular rates. This makes fixed deposits a popular safe investment option in Nepal for retirees.
